Loan portfolio risk is the main risk of commercial Banks. The nonperforming loan caused by the loan allocation mistakes, is the main problem of Chinese Banks industry.
贷款组合风险是商业银行的主要风险，由于贷款组合分配失误造成的新增不良贷款不断产生，是我国目前银行业面临的主要问题。
Four stated-owned commercial banks, as the main body of Chinese financial system, their amount of deposit and loan occupy 90% of all foreign organizations.
形势的严峻不用多言。 工、农、中、建这四家商业银行是我国金融体系的主体，其存款和贷款均占全部金融机构存款、贷款的90％以上。
Narrow capital sources and lack of an operational dynamic mechanism that can readily replenish capital are considered the main cause of low capital adequacy in Chinese commercial Banks.
资本金来源渠道狭窄，未能建立起动态的可随时补充资本金的良好机制是中国商业银行资本充足率偏低的主要原因。
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